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2012年我国银监会出台了《商业银行资本管理办法》(后文简称《资本办法》)。在新的监管要求下,我国大型商业银行短期资本充足率状况良好,但长期来看,存在信贷粗放扩张,资本补充压力大、资本结构单一,筹资渠道狭窄等隐患。据此,我们提出了精减信贷资产,发展中间业务,加强资本工具创新,拓展资本筹措渠道等对策,以期能缓解商业银行资本补充的压力。
In 2012, China’s CBRC promulgated the Measures for the Capital Management of Commercial Banks (hereinafter referred to as the “Capital Measures”). Under the new regulatory requirements, the short-term capital adequacy ratio of China’s large commercial banks is in good condition. However, in the long run, there are risks such as extensive credit expansion, pressure on capital replenishment, single capital structure and narrow financing channels. Accordingly, we put forward some countermeasures such as reducing credit assets, developing intermediary businesses, strengthening capital instruments innovation and expanding capital raising channels, with a view to relieving the pressure of capital replenishment of commercial banks.